Name

Exchange Bank

Legal name

Exchange Bank

Website

https://exchangebank.com

Company type

Public

Founded year

1890

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Santa Rosa

HQ country

United States

HQ region

North America

Offices14 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest income from loans and deposits, including $24.43 million in Q1 2026 and $90.69 million in full year 2025. Driven by interest and fees on loans ($1.74 billion gross loans as of March 2026) and deposit funding.
2. Trust and Investment Management Fees: Revenue from investment management, retirement plans, estate settlement, and trust administration services offered through Trust & Investment Management division
3. Banking Service Fees: Fees from personal and business checking, savings, credit cards, merchant services, and treasury management services
4. Loan Origination and Servicing: Interest income from personal loans, business loans, residential mortgages, and SBA lending

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Exchange Bank is a community bank providing personal banking (checking, savings, loans, credit cards, youth accounts), business banking (checking, savings, business loans, SBA loans, merchant services, treasury management), and Trust & Investment Management (investment management, retirement plans, estate settlement, trust administration). Services are delivered through 19 retail branches across the North Bay and Roseville regions, supplemented by online and mobile banking platforms and dedicated Trust & Investment offices.

Product overview

Exchange Bank operates as a full-service community bank offering an integrated portfolio of personal, business, and wealth management products. The core banking platform is organized into three main channels: Personal Banking (checking, savings, loans, credit cards, and digital banking), Business Banking (checking, savings, loans, merchant services, and treasury management), and Trust & Investment Management (investment management, retirement plans, estate settlement, and trust administration). Digital banking is delivered through Mobile & Online Banking platforms with features including remote deposit capture, Face ID/Touch ID authentication, and multi-factor authentication. The bank also offers specialized youth accounts (My Cash Checking and My Cash Savings) with deposit matching promotions, and residential mortgage services through its mortgage division.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking
• Personal Savings
• Personal Loans
• Personal Credit Cards
• Mobile and Online Banking
• My Cash Checking
• My Cash Savings
• Business Checking
• Business Savings
• Business Loans
• Business Credit Cards
• Merchant Services
• Treasury Management
• Investment Management
• Retirement Plans
• Estate Settlement
• Trust Administration
• Residential Mortgages

Quantifiable outcome

• Q1 2026 net income of $7.51 million, a 33.71% increase compared to Q1 2025
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core, major and minor.

• Doyle Trust / Santa Rosa Junior CollegecoreStrategic or Co-development Partner · 28 May 2026Exchange Bank directs approximately 50.44% of dividend payouts to the Doyle Trust, which funds scholarships at Santa Rosa Junior College. The program has funded $105 million in scholarships. This long-standing arrangement demonstrates the bank's commitment to local education and community support.
• FHLBank San FranciscomajorStrategic or Co-development Partner · 21 November 2023Exchange Bank partnered with FHLBank San Francisco to award a $70,000 grant to Dry Creek Rancheria Band of Pomo Indians. This partnership demonstrates the bank's community development initiatives.
• Redwood Empire Food BankcoreStrategic or Co-development PartnerExchange Bank donated $20,000 to the Redwood Empire Food Bank in honor of customers and business partners. The bank gives well over $600,000 annually to local nonprofits including the food bank. This is the largest hunger-relief organization serving north coastal California.
• United WayminorGTM or Marketing PartnerNick Bongiorno, Marin Branch Manager, is an avid supporter of United Way, demonstrating employee engagement in community organizations.
• Boys & Girls ClubsminorGTM or Marketing PartnerNick Bongiorno supports the Boys & Girls Clubs organization as part of his community involvement.
• Big Brothers Big SistersminorGTM or Marketing PartnerNick Bongiorno is an avid supporter of Big Brothers Big Sisters, supporting organizations that bridge the gap for underserved community members.
• Redwood Empire Food BankminorGTM or Marketing PartnerMindy Smith, Community Relations Officer, is an avid supporter of Redwood Empire Food Bank, combining professional expertise with commitment to service.
• Friends in Service Here (F.I.S.H.)minorGTM or Marketing PartnerMindy Smith supports F.I.S.H. as part of her community service and engagement efforts.
• Joint Marketing PartnersminorGTM or Marketing PartnerExchange Bank shares personal information with joint marketing partners to offer financial services. Customers can opt out of this sharing through the bank's website.

Scale indicators12 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Bank of Marin Bancorp: Northern California community bank headquartered in Novato with a similar North Bay focus. Both institutions serve the Marin/Sonoma corridor with relationship-driven community banking, comparable SMB and wealth management offerings, and similar asset size (~$3-4B). Direct overlap in Marin County market where Exchange Bank just expanded.
• Tri Counties Bank: California community bank operated by TriCo Bancshares, serving Northern and Central California. Similar full-service community banking model with personal, business, and wealth management services, and a comparable regional community banking approach.
• First Northern Bank of Dixon: Independent Northern California community bank serving Sacramento Valley and North Bay-adjacent markets with similar asset size (~$2-3B). Comparable community banking model emphasizing relationship-driven service, SBA lending, and local decision-making.
• Poppy Bank: Santa Rosa-based community bank with headquarters in Exchange Bank's home market. Direct local competitor offering similar personal, business, and SBA lending services with comparable community banking positioning and overlapping customer base in Sonoma County.
• Pacific Valley Bank: Northern California community bank focused on SBA and business lending, with similar asset size. Provides comparable community-oriented banking services to SMBs and professionals in Northern California markets.
• Redwood Capital Bank: Northern California community bank headquartered in Eureka with comparable asset size and community banking model. Serves similar SMB and consumer segments with relationship-driven approach in Northern California coastal markets.

Broad incumbents

• Westamerica Bancorporation: Larger California community banking franchise operated through Bank of Westamerica with ~$20B+ in assets. Provides traditional community banking services across Northern and Central California, representing a scaled incumbent peer with similar community bank philosophy but broader geographic and product reach.
• Mechanics Bank: Northern California community bank (Richhead Holdings), substantially larger than Exchange Bank with ~$18B+ in assets. Provides full-service community banking, SBA lending, and wealth management across California, representing a scaled peer with overlapping geographic and product offerings.
• Umpqua Bank: Pacific Northwest-headquartered community banking franchise (Columbia Banking System) with significant Northern California presence through acquisitions. Larger scaled peer offering similar community banking products with greater geographic reach and capital base.
• CVB Financial Corp (Citizens Business Bank): Southern California-headquartered community banking holding company with ~$15B+ in assets. While primarily Southern California focused, represents a scaled California community banking peer with similar product mix including wealth management and SBA lending.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ExchangeBankSoCo
• LinkedInlinkedin.com/company/exchange-bank
• Instagraminstagram.com/exchange_bank
• Xx.com/exchange_bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Exchange Bank